Audrey Rayner

• Managed a full pipeline of Conventional FHA, VA and Jumbo mortgage loans
• Analyzation of credit reports, income, assets, liabilities, as well as all potential risk factors to ensure underwriting readiness
• Collected, reviewed, and verified borrower documentation in compliance with lending guidelines
• Collaborate closely and effecting with processors, underwritings, appraisers, and title companies ensure conditions and tasks are resolved and completed efficiently
• Ensure strict adherence to federal, state, and investor regulations; including TRID, RESPA, BSA, and ECOA
• Optimize borrower approval, affordability, and long-term financial outcomes
• Proactively identify and resolving potential loan obstacles to prevent delays or denials
• Consistent communication maintained with borrowers, real estate agents, referral partners, and internal corresponding departments through the loan process
• Utilization of Empower and JetPack to maintain and manage pipeline accuracy and compliance
• Provided mentorship and guidance to new hires, junior loan officers, and loan officer assistants
• Complying with audit reviews and quality control process by ensuring complete and accurate loans
• Meeting and exceeding monthly loan production, conversion, member satisfaction, and KPI targets

● Assisting members with notaries onsite.

● Opening, balancing, and closing of vault, and preparing shipments for armed car couriers.

● Process/balance the teller deposits and withdraws to and from the vault.

● Ability to process and balance the money orders, cash advance machines and coin counter machine.

● Prepare and send daily work to proper departments.

● Notarized documents for mortgage closings.

● Submitted and finalized mortgage closing documents to the lenders on behalf of the members.

• Nurtured established relationships with members while providing excellent customer service to fulfil financial needs.
• Actively promoting products, services, features and promotions to members, both current and potential.
• Diligence when processing negotiable items and ability to detect and prevent fraud and identity theft.
• Knowledge and experience to assist newer employees with policies and procedures.
• Tenure with financial experience; allowed the ability to approve of higher dollar amounts on checks presented.
• Prepare and send daily work to proper departments.
• Strong attention to detail to verify completeness and accuracy of the credit application and ensure notes are followed and comply with the bank's loan policy.
• Demonstrates strong team collaboration skills to provide support for consumer lending, loan follow-up, correspondence, and customer service to the bank’s members.

• Identifying and tagging equipment, troubleshooting IP Address reporting, and maintaining infrastructure configurations of reporting devices
• Onboard new customers and get their accounts/devices reporting to FMAudit
• Manage and maintain multiple projects with IT Tech Department including budget
• Helped pull and organize reports and data information for onboarding larger customers
• Schedule team/department meetings and appointments
• Maintaining a working account list of 100-150 accounts with active due dates
• Managed team while working on group accounts

• Attended prestigious school at Defense Language Institute for Spanish Language
• Worked as an executive assistant to the three leading commanding officers for the Navy
• Managed schedules of staff’s calendar with meetings, appointments and travel
• Drafted military and nonmilitary correspondence
• Handled confidential and secret information and paperwork
• Wrote office job descriptions and directives
• Communicated urgent orders and directions effectively to team of many personnel
• Expert in tactical and technical guidance
• Counterterrorism strategies
• Emergency planning and response as well as security and surveillance operations